Dealing with Old Dental Debt: Steps When Contacted by a Collection Agency

Steps to Take

1. Verify the debt: Contact the agency for original creditor name, amount; match to your records.
2. Request documentation: Original bill, statements, invoices; review for legitimacy.
3. Check credit report: Obtain reports from Experian, Equifax, TransUnion; dispute errors.
4. Determine statute of limitations: If expired, agency cannot legally sue.
5. Negotiate settlement: Lump sum or payment plan; get agreement in writing.
6. Contact original dentist: May provide info or resolve directly.
7. Send cease-and-desist letter: Stop contact unless debt validated per FDCPA.
8. Consult an attorney: For consumer protection/debt collection guidance.

Keep records of all correspondence and payments. Protect your rights throughout.